Loan Features

Fast Approval & Disbursement

Fast Approval

& Disbursement

Apply in minutes and receive your funds within hours—no more waiting around for long approval processes.
No Collateral Required

Access loans without the need for any security or collateral.
Flexible Repayment Plans

Choose a repayment schedule that suits your financial situation, with flexible terms ranging from 65 to 140 days.

Flexible Loan Amounts

Borrow anywhere from ZMW 2,500 to ZMW 15,000 depending on your needs and repayment history.
Easy Mobile Access

Apply for a loan directly from your smartphone with our user-friendly mobile app.
Transparent Fees & Rates

No hidden charges. You’ll always know exactly what you’re paying.

Easy Application

For a Personal Loan

Qualifying Criteria

You must be 18 years or older
You must have a bank account
You must have a stable income source
You must have a valid ID

How to get it

Download & Register
First, download the Shamwa Credit app from Google Play. Create your account by entering your basic details.
Complete Loan Application
Fill out the loan application form directly within the app. Provide the necessary personal and financial information to help us assess your eligibility.
Get Approved & Funds
Once your application is approved, the funds will be transferred directly to your bank account within hours.

User Stories

"I needed a loan to pay for my children's school fees. Shamwa Credit made the whole process so easy. I applied through their app, and within hours, the funds were in my account. Now, I can focus on teaching without worrying about the fees!"

Natasha Kamwendo

Teacher

"As a small business owner, cash flow can be unpredictable. Shamwa Credit helped me purchase new stock when I was in a tight spot. The approval was quick, and the repayment plan was flexible enough for me to manage comfortably. Highly recommend them!"

Peter Mwansa

Small Business Owner

"I had an unexpected medical emergency in my family, and Shamwa Credit was there when I needed them most. The loan process was fast and straightforward, and the customer support was excellent. I’m so grateful for their help!"